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Refinance today for a lower car loan payment tomorrow.

  • Make no payments on your new loan for 90 days**
  • Apply and sign online. Plus, use free online or mobile banking to easily manage your payments
  • Essential workers can get 0.25% off new and used auto loan purchases and non-Heritage refinances. Learn More

Have a good credit score? Apply for your auto loan refinance online to get a lower monthly payment in as little as one day.º

Or, find your local Heritage branch.


Our process is fast and simple. Here's what one of our members had to say:

“I would recommend them to anyone looking to have a hassle-free refinance. They go above and beyond to help you out.”

- Bill, Heritage Member


Used Auto Loan Rates

Auto Loan Rates

APR* (as low as)

Monthly Paymentºº (per $1,000 borrowed)

24 Months

2.75%

$42.87

36 Months

3.39%

$29.25

48 Months

3.50%

$22.36

60 Months

3.80%

$18.33

72 Months

4.50%

$15.87

Rates listed effective as of June 04, 2020.


** Subject to qualified credit. Interest will accrue during 90-day no payment period. Promotion may change or end at any time. ºSubject to qualified credit. Funds may take longer than one business day to receive depending on the product selected and the details of the loan. Subject to membership eligibility and a minimum share requirement of $5. All promotions and rates may change or end at any time without notice. ººMonthly payment is based on payment per $1,000 for term and rate shown. Actual rates depend on loan-to-value ratio and creditworthiness. Payment amount does not include amounts for taxes, insurance premiums, titling fees or loan protection products. Down payment requirements may apply.

7 Year ARM Mortgage

3.125% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*